Stifel Bank and Trust in Montana vs the state
4.4%Denial rate-10.47 pts vs state
4.6%Decision denial rate-14.15 pts vs state
89.1%Origination rate+27.15 pts vs state
6.00%Median rate-0.63 pts vs state
0.00Rate spread (pts)-0.24 pts vs state
$216kMedian applicant income
41Loans originated
2Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 37 | 34 | 0.0% | 6.00% | #89 |
| 2024 | 34 | 28 | 0.0% | 6.38% | #102 |
| 2025 | 46 | 41 | 4.4% | 6.00% | #105 |
What Stifel Bank and Trust lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Stifel Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Flathead County | 13 | 12 | 0 | 0.0% |
| Yellowstone County | 10 | 9 | 0 | 0.0% |
| Gallatin County | 9 | 8 | 1 | 11.1% |
| Missoula County | 4 | 3 | 0 | 0.0% |
| Cascade County | 3 | 3 | 0 | 0.0% |
| Lewis and Clark County | 2 | 1 | 1 | 50.0% |
| Carbon County | 2 | 2 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Madison County | 1 | 1 | 0 | 0.0% |
| Stillwater County | 1 | 1 | 0 | 0.0% |
Other large lenders in Montana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Glacier Bank | D | 3,018 | 16.2% | 7.25% |
| Stockman Bank of Montana | B | 2,911 | 6.3% | 6.88% |
| Rocket Mortgage | C | 1,999 | 17.5% | 6.75% |
| United Shore Financial Services | B | 1,857 | 9.2% | 6.25% |
| Opportunity Bank of Montana | B | 1,608 | 9.8% | 6.88% |
| Evergreen Moneysource Mortgage | B | 1,158 | 1.1% | 6.25% |
| U.S. Bank | D | 1,024 | 27.1% | 7.13% |
| First Interstate Bank | D | 987 | 22.9% | 8.25% |
| Mortgage Research Center | C | 940 | 16.7% | 6.13% |
| Crosscountry Mortgage | B | 920 | 5.1% | 6.63% |
Frequently asked questions
Montana: 46 applications in 2025, of which 41 were originated and 2 denied.
4.4% of all applications, or 4.6% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Stifel Bank and Trust originated in Montana in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are Stifel Bank and Trust's own HMDA filing for properties located in Montana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology